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Business funding comparison

Equipment Financing vs Working Capital

Compare equipment-backed financing with broader working capital for purchases, repairs, inventory, payroll, and operating gaps.

Review does not guarantee approval. Terms, timing, and availability vary by profile and partner.

Option 1

Equipment Financing

Finance business equipment while using the equipment as the primary collateral.

Range

$5,000-$150,000

Profile dependent

Speed

2-5 business days

Fastest eligible paths

Term

1-5 years

Varies by offer

Credit

600+

Minimum guide

Review Equipment details

Option 2

Working Capital

Fast access to funds for day-to-day operations, inventory, payroll, and short-term needs.

Range

$5,000-$500,000

Profile dependent

Speed

As fast as 24 hours

Fastest eligible paths

Term

3-18 months

Varies by offer

Credit

550+

Minimum guide

Review Working Capital details

Best fit signals for Equipment

Businesses buying machinery, vehicles, technology, medical equipment, or operational assets.

Review carefully

Review equipment quote, useful life, ownership expectations, and whether the asset supports revenue.

Best fit signals for Working Capital

Businesses covering payroll, inventory, vendor payments, seasonal expenses, or near-term cash-flow gaps.

Review carefully

Review repayment pressure and whether the funds solve a short-term operating need.

Questions to ask before choosing

  • Is the funding tied to a specific asset?
  • Will the equipment generate or protect revenue?
  • Does the business need restricted funds or flexible cash flow?

Next step

Use the comparison, then review fit.

Check Funding Options

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